The Virtuous Circle :

Global mobile financial services revenue forecast :

Global mobile financial services revenue forecast Source: Global VAS Revenues Forecast_Informa The global mobile commerce market is in the upswing with services like International funds transfer to grow at a CAGR of 215% in the period 2008-2013.

Global mobile financial services user forecast :

Source: Global VAS Revenues Forecast_Informa As can be inferred from the revenue and user projections, mobile commerce is still at its nascent stage.
Though the adoption is slow, experts all over the world believe that mobile commerce is emerging fast and some believe that it will reach a critical mass in the next couple of years.
The constant introduction of new services take mobile commerce to the next level and add fuel to the network effect of consumers and merchants coming together via a wide range of wireless devices to conduct "real world" transactions. Global mobile financial services user forecast

Comviva View on m-Commerce :

Comviva View on m-Commerce

Mobile Financial Services Ecosystem is complex… :

Mobile Financial Services Ecosystem is complex… The ecosystem builds on the traditional
payment infrastructure
with an expanded value chain incorporating the following players:

Mobile Commerce: Anatomy :

Mobile Commerce: Anatomy Mobile Commerce can be broadly divided into three categories

Slide 11:

Service Delivery for mCommerce :

Services offered by a mobile commerce solution :

Services offered by a mobile commerce solution Potential Services

Thought leadership :

Thought leadership

mCommerce Solution by Comviva … :

mCommerce Solution by Comviva …

… mobiquity™ installed base :

mobiquity™ mMoney application implemented across 15 FT properties in West Africa using USSD as the bearer
Also Includes complete bill payment module of mobiquity™ … mobiquity™ installed base Client Implementation Scope mobiquity™ mobile banking application launched under the Barclays brand name of “Hello Money” in India
Implementation of same product on across 11 Barclays properties in emerging market including Africa & Middle East using USSD as the bearer mobiquity™ mMoney application to provide the stored wallet capability along with the bill payment module for Grameen phone customers in Bangladesh
Service is supported by both Grameen subscriber along with the non – subscriber mobiquity™ mMoney application with enhanced capability to issue & manages the ATM cards along with a financial switch.
First phase launched in Cambodia along with the four other APAC countries in roadmap using USSD & Java client over GPRS as bearer channels mobiquity™ platform for providing stored wallet & banking services for Viettel mobile customers in Vietnam
Using multiple bearers - SMS & Java client over GPRS Hosted mobiquity™ platform interfacing with Arab Financial Services (AFS) card management system
Providing services to the customers of 60 banks across UAE & Bahrain for credit card based transactions over SMS mobiquity™ mMoney application to be implemented in Maroc Telecom in Morocco
Using USSD &IVR as the bearer channel for functional features mobiquity™ payments server to provide credit & debit card based transactions in India
Using USSD, J2ME & Web as the bearer channels

www.comviva.com :

www.comviva.com Thank You

Additional Slides :

Additional Slides

Slide 20:

Banking the Unbanked Large population of financially hungry users
75% - 80% households have no access to bank accounts Fraction of households with an account in a financial institution Source World Bank

The Unbanked :

The Unbanked Significant segment of the unbanked belong to the base of pyramid segment
Direct correlation between income and banking access *Source: World Bank

… mobiquity™ installed base :

mobiquity™ mMoney application implemented across 15 FT properties in West Africa using USSD as the bearer
Also Includes complete bill payment module of mobiquity™ … mobiquity™ installed base Client Implementation Scope mobiquity™ mobile banking application launched under the Barclays brand name of “Hello Money” in India
Implementation of same product on across 11 Barclays properties in emerging market including Africa & Middle East using USSD as the bearer mobiquity™ mMoney application to provide the stored wallet capability along with the bill payment module for Grameen phone customers in Bangladesh
Service is supported by both Grameen subscriber along with the non – subscriber mobiquity™ mMoney application with enhanced capability to issue & manages the ATM cards along with a financial switch.
First phase launched in Cambodia along with the four other APAC countries in roadmap using USSD & Java client over GPRS as bearer channels mobiquity™ platform for providing stored wallet & banking services for Viettel mobile customers in Vietnam
Using multiple bearers - SMS & Java client over GPRS Hosted mobiquity™ platform interfacing with Arab Financial Services (AFS) card management system
Providing services to the customers of 60 banks across UAE & Bahrain for credit card based transactions over SMS mobiquity™ mMoney application to be implemented in Maroc Telecom in Morocco
Using USSD &IVR as the bearer channel for functional features mobiquity™ payments server to provide credit & debit card based transactions in India
Using USSD, J2ME & Web as the bearer channels